Bank of America® Customized Cash Rewards Credit Card vs Bank of America Unlimited Cash Rewards Credit Card for Students
Bank of America® Customized Cash Rewards Credit Card earns more in 8 of the 9 categories we track. Neither has an annual fee.
The basics
| Detail | Bank of America® Customized Cash Rewards Credit Card | Bank of America Unlimited Cash Rewards Credit Card for Students |
|---|---|---|
| Annual fee | None | None |
| Card type | Personal | Personal |
| Rewards | Cash Back | Cash Back |
| Each point is worth | 1.00¢ | 1.00¢ |
| Everywhere else | 1x | 1.5x |
| Welcome bonus | $200 after $1,000 in 90 days | $250 after $1,000 in 90 days |
What each earns
| Category | Bank of America® Customized Cash Rewards Credit Card | Bank of America Unlimited Cash Rewards Credit Card for Students |
|---|---|---|
| Gas Stations | 3.0% (higher) 3x, up to $2,500 | 1.5% 1.5x |
| Amazon & Online Shopping | 3.0% (higher) 3x, up to $2,500 | 1.5% 1.5x |
| Dining & Restaurants | 3.0% (higher) 3x, up to $2,500 | 1.5% 1.5x |
| Travel | 3.0% (higher) 3x, up to $2,500 | 1.5% 1.5x |
| Drugstores & Pharmacies | 3.0% (higher) 3x, up to $2,500 | 1.5% 1.5x |
| Home Improvement | 3.0% (higher) 3x, up to $2,500 | 1.5% 1.5x |
| Groceries | 2.0% (higher) 2x, up to $2,500 | 1.5% 1.5x |
| Wholesale Clubs | 2.0% (higher) 2x, up to $2,500 | 1.5% 1.5x |
| Everything else | 1.0% 1x | 1.5% (higher) 1.5x |
Returns are the points per dollar times what a point is worth, using your smart setting. Caps and rotating categories change what you actually earn. How we value rewards
The better question is which one adds more to the cards you already have.
Ask the advisor